I too have been a member of USAA for 45 years, having joined when I accepted a Warrant Officer Appointment, in a transfer from the U. S. Air Force to the U. S. Army, in 1970. Just in time to get into the Vietnam debacle, I might add. If there are problems that other folks have run across with USAA, rest assured that I have experienced none of them. As for the Senior Bonus, I have looked upon it as just a great idea, of which I was unaware until I reached that particular plateau in my life. I am thankful for the benefits that I have derived from USAA, and that my children have also taken advantage of having this company on their side as well. As for the Go Navy bit, I would have to say Roll Army in response, except we are continually having a problem to roll over the Navy! LOL!